Saturday 14 December 2019

Couple used forged documents in bid for mortgage

The deceased was due to start a new job the following Monday. (stock photo)
The deceased was due to start a new job the following Monday. (stock photo)

A DUBLIN couple who used forged documents to apply for a mortgage because they believed they would never qualify otherwise have been spared jail.

Judge Sinead Ni Chulachain said Clare Ellis (34) and Gareth Boyle (32) did not realise they were engaging in criminal activity in what was "not a highly sophisticated" effort to deceive.

Sentencing them to periods of community service in lieu of a prison term, the judge described the case as "highly unusual and exceptional".

"I don't condone what they did, but I do understand why they did it," the judge added.

Ellis and Boyle, both of Gurteen Avenue, Ballyfermot, had pleaded guilty at Dublin Circuit Criminal Court to a charge of attempting to obtain services by deception from KBC Bank.


The couple, who are engaged and have two young children, had been looking to buy the home of a deceased relative.

Det Gda James Walker, of Celbridge Garda Station, said Ellis had completed an application form for a €239,000 mortgage in the Maynooth branch of KBC on March 29, 2016, and also provided a P60 as well as payslips and a salary certificate.

However, a KBC official became suspicious about the validity of the documents.

Det Gda Walker said the couple had obtained the services of a "creative accountant", to whom they had paid €2,500.

Ellis and Boyle were respectively sentenced to 120 and 100 hours of community service in lieu of prison terms of six and five months.

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